What’s Your Credit Score? I’ll Tell you Mine…

It was enlightening and kind of disappointing too. I mean, there weren’t any negatives listed in the report and it was cool to see how many accounts that I actually had (and forgotten existed) but it never actually told me what my credit score was — you know, that magic number that’s calculated in total secrecy kinda like how college football rankings are set.

It’s a meaningless number that, for some reason, holds a lot of weight.

Well, while the defensive financial move we made earlier this week hasn’t really gone anywhere just yet — still signing all of the paperwork — the bank did provide us with our credit scores.

doing a credit pull on your own file does not afceft your score. Filing apps for credit, or allowing others to do credit pulls to see if you can qualify’ usually does though To get around that, I usually pull my own credit, and then shop around for preapprovals that way Like if you are trying to buy a new car, pull your own credit FROM ALL 3 BUREAUS be sure to get scores from all 3. then print that out, and take that to the dealer with you. Get them to pre approve you based on that info, and wirte the deal contigient on being able to get financed, based on the scores you got. If your credit pull is more than seven days old they may squawk about it, it all depends on what your score is, what your deal looks like, how much you are offering down, and how badly they need to make the sale.. In the case of a mortgage, I’ve done this with credit pulls up to 30 days old just realize that if anything changes the deal make fgo south, and you may lose your deposit.